A credit union's profitability affects its long-term survivability. Earnings may be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Obviously, credit unions that are losing money have less ability to do those things.
FRANKLIN TRUST scored 12 out of a possible 30 on Bankrate's earnings test, beating the national average of 10.11.
FRANKLIN TRUST had an earnings ratio of 0.00 percent in our test, above the average for all credit unions, an indication that it's running ahead of its peers in this area.